Frequently Asked Questions

Find answers to all your Frequently Asked Questions about Merchant Trend Funding’s services, funding process, eligibility, and more. Get the information you need, fast.

What is Revenue-Based Financing?​

One of the most frequently asked questions is about Revenue-Based Financing. In this model, Merchant Trend Funding purchases a portion of your future business receipts (Receivables) at a discount.

Revenue-Based Financing agreements are repaid from an agreed percentage of your business receipts—and only from your business receipts—until the agreed sale price (Amount Sold) is reached. To ensure compliance and fairness, you have a right of reconciliation, guaranteeing that payments are made only from actual receivables and accurately reflect your sales volume.

Frequently Asked Questions About the Application Process

What are the eligibility requirements?

To be eligible for financing from Merchant Trend Funding, your business should generally meet the following criteria:

At least 6 months in operation.

Minimum monthly revenue of $10,000.

A valid business checking account.

Please note: Final approval is subject to underwriting review.

At Merchant Trend Funding, we don’t let a credit score tell the whole story. We focus on understanding your business’s overall health and revenue potential rather than just looking at a number.

We keep it simple. Generally, we only need basic information about you and your business, including:

A completed Merchant Trend Funding application.

The last 4 months of your business bank statements.

Our process is streamlined and typically takes about 5 minutes to initiate. Simply fill out one application, and we will determine the best product for your needs. Applications can be submitted online or over the phone by calling (789) 123-4567

We support a vast range of industries, including restaurants, retail stores, healthcare providers, auto repair shops, contractors, and many other service-based businesses. Note: Certain restricted industries may not be eligible.

Frequently Asked Questions About Funding

How quickly can I receive funding?
Merchant Trend Funding provides approvals in as little as 4 hours, with funding typically available within 24–48 hours.

Funding must be used for legitimate business purposes, but you are in control of how to allocate the capital. Common uses include:

  • Payroll and Hiring

  • Renovations and Remodeling

  • Inventory Purchasing

  • Marketing Campaigns

  • Equipment Upgrades

  • Business Expansion

Yes. Merchant Trend Funding is a direct funding source, which means you deal directly with decision-makers without unnecessary middlemen.

You’ll never know until you apply. If your business does not qualify currently, we will provide transparent feedback and let you know what steps can be taken to improve your eligibility for the future.

Frequently Asked Questions About Repayment

What is the repayment process?
Repayments to Merchant Trend Funding are handled seamlessly via automatic deductions from your business bank account or through credit card batch splits, depending on your agreement.

No, our revenue-based products do not have fixed monthly payments. We collect an agreed-upon percentage of your sales; therefore, as your sales fluctuate, so do the payments. We can reconcile payments daily, weekly, or monthly to ensure they align with your actual revenue.

Your dedicated Funding Expert at Merchant Trend Funding is available to assist with any payment-related inquiries, including reconciliation requests or additional payment options. Contact us at (789) 123-4567 for support.

Speak to Funding Expert:

(800) 674-8486